Health and Welfare Plans
As a University of California employee, you help shape the quality of life for people throughout California and around the world.
Every faculty and staff member plays an important role in UC’s mission of education, research and public service; UC’s high-quality, comprehensive benefits are among the rewards you receive in return. These benefits are an important part of your total compensation.
Health and Welfare Plans
The Compensation, and Health and Welfare Benefits Program provides both choice and value to meet the needs of our diverse workforce. For questions regarding health and welfare benefits, please contact the UCPath Center at (855) 982-7284.
In addition to competitive compensation and benefits for all UC employees, we would like to share the following health and welfare resources:
Behavioral Health Plans
Kaiser HMO
Behavioral health and substance abuse coverage are provided by Kaiser and Optum. Kaiser members may access care from Kaiser behavioral health providers and from Optum in-network providers. If you are seeking care through Optum as a Kaiser HMO member, there is no charge for your first three routine office or telemental health visits; you will be charged a $30 copayment for each of your following visits.
Please note: Kaiser and Optum do not coordinate care or costs of behavioral health services and each plan has specific requirements. Therefore, it is important to select behavioral health services carefully and follow all of the plan guidelines and authorization requirements for the behavioral health services plan you select.
For information about your benefits, preauthorization for certain services, and help finding a provider:
UC Blue & Gold HMO
Behavioral health and substance abuse coverage are provided by Health Net Behavioral Health (formerly known as MHN). Members may access care from Health Net Behavioral Health in-network providers.
There is no charge for your first three routine office or telemental health visits; you will be charged a $30 copayment for each of your following visits.
For information about your benefits, preauthorization for certain services, and help finding a provider, call Health Net Behavioral Health at 800-663-9355
CORE, UC Care, UC Health Saving Plan
Behavioral health and substance abuse coverage are provided by Anthem Blue Cross.
Charges for routine office or telemental health visits vary by plan and provider type, and some services require preauthorization. If you need help finding a provider and booking an appointment, call Accolade at (866) 406-1182 Monday–Friday, 5 a.m.–8 p.m. PT. You can also speak to a therapist or psychologist virtually through Accolade Care Telehealth and Virtual Visits.
CORE
CORE members have access to Anthem in-network providers. There is a 20% coinsurance for covered services after meeting the deductible.
UC Health Saving Plan
UC Health Saving Plan members have access to Anthem in-network providers and to out-of-network providers.
After meeting the deductible, there is a 20% coinsurance for covered services from in-network providers and a 40% coinsurance for covered services from out-of-network providers. If you choose to see an out-of-network provider, you may need to pay your provider directly for services and submit a claim for reimbursement.
Insurance
Disability Insurance
Having the right disability insurance in place is a critical—and often overlooked—piece of your financial safety net. This coverage provides you essential peace of mind should illness or injury ever prevent you from working for an extended period of time. As a UC employee, you have options for disability coverage. UC does not participate in the State Disability Insurance program. This coverage is your only option for insuring your income in the event of illness or injury.
For more information, please visit the UCnet – Basic and Voluntary Disability webpage.
Business Accident Travel Insurance
The university has arranged for employees traveling on official university business to be covered for a wide variety of accidents and incidents while away from the campus or primary workplace.
For more information, please visit the UCnet – UC Travel Insurance webpage.
Auto & Homeowners Insurance
Farmers Insurance offers personal auto and homeowners insurance available to UCR faculty and staff.
To learn more about your benefit options and to get a quote, please call: 877-594-7899.
AD & D Insurance
UC offers Accidental Death and Dismemberment (AD&D) coverage to protect you and your eligible dependents from the unforeseen financial hardship of a serious accident causing death or dismemberment.
For more information, please visit the UCnet – Accidental Death & Dismemberment (AD&D) webpage.
Life Insurance
Employees eligible for full benefits are automatically enrolled in Basic Life at no cost. Employees eligible for mid-level or core benefits are automatically enrolled in Core Life at no cost. Supplemental and Dependent Life insurance is available for a monthly premium.
For more information, please visit the UCnet – Life Insurance webpage.
Other Resources
Flexible Spending Accounts
Health and dependent care related expenses are applied differently for each participant and some of the responsibility for the costs are shared by the members. The University's Health Flexible Spending Accounts allow you to set aside pre-tax funds each year for these types of expenses to manage the costs and save on your income taxes.
Bright Horizons Family Care
UC offers Bright Horizons Care Advantage™, a comprehensive web-based resource, to help you balance work and family responsibilities.
For more information, please visit the UCnet – Family Care Resources webpage.
ARAG Legal Plan
UC’s voluntary legal insurance through ARAG provides access to over 15,000 network attorneys nationwide to assist with legal matters like creating wills, estate planning, buying a home, and much more.
UCnet – Legal Insurance webpage